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Elm Creek village, NE

ZIP 68836 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 68836

Median Home Value
$215,500
Median Rent
$614
Affordability Snapshot
$59,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,384/mo PITI).

9%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

29.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 68836 in Elm Creek village, NE, a household would need roughly $59,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,384. That sits below the local median household income ($79,531), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.7%+13% vs US avg
x
Vacancy Rate
10.1%-2% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
9.3%-37% vs US avg
x
Built Pre-1939
5.5%-57% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
6.3%-87% vs US avg
x
Mortgage-Free
47.8%+25% vs US avg
x
$215,500
Home Value
$614
Rent
1975
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.5%
  • 1-unit attached0.3%
  • 2-9 units4.0%
  • 10+ units5.0%
  • Mobile home & other10.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$215,500
Median rent$614
Owner-occupied73.7%
Vacant10.1%
Price-to-income2.7x
Est. income to buy$59,000